BlastPoint's Banking Scorecard
First United Bank and Trust Company
Mid-Market
Specialty: Commercial
OK
FDIC cert 4239
Durant, OK
201
banks in Mid-Market tier nationally
3 in OK
View Mid-Market leaderboard (OK) →
First United Bank and Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15% in Mid-Market
- - Flatlined Growth: Bottom 37% in Mid-Market
- - Nonperforming Asset Ratio 0.85% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.3B
+0.1% YoY
-1.1% QoQ
|
+$5.8B |
$10.5B
+2.9% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$12.5B
+0.4% YoY
-1.8% QoQ
|
+$5.4B |
$7.1B
+4.5% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$13.1B
+5.0% YoY
+2.5% QoQ
|
+$4.6B |
$8.5B
+3.0% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.97%
+23.8% YoY
+7.4% QoQ
|
-0.19% |
1.16%
+9.4% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.57%
+7.0% YoY
+1.3% QoQ
|
+0.17% |
3.40%
+7.9% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
68.85%
-1.1% YoY
-1.2% QoQ
|
+12.25% |
56.60%
-3.2% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
1.58%
+9.0% YoY
-5.1% QoQ
|
+0.90% |
0.68%
+12.0% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
95.12%
-4.4% YoY
-4.2% QoQ
|
+9.65% |
85.47%
+1.1% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
23.36%
+3.1% YoY
+0.4% QoQ
|
+2.72% |
20.64%
-0.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.35%
+18.2% YoY
-2.6% QoQ
|
+0.85% |
0.50%
+7.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
12.29%
+7.5% YoY
+7.2% QoQ
|
-1.26% |
13.55%
+1.8% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.82%
+12.2% YoY
+32.9% QoQ
|
-0.13% |
0.96%
+7.1% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#13 of 80 · Bottom 15% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.12%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#17 of 44 · Bottom 37% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.97%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
1.35%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Total Loans
Current: $12.5B · Tier avg: $7.1B
84
84th pctile
Total Assets
Current: $16.3B · Tier avg: $10.5B
83
83th pctile
Total Deposits
Current: $13.1B · Tier avg: $8.5B
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.12% · Tier avg: 85.47%
68
68th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.36% · Tier avg: 20.64%
53
53th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.40%
38
38th pctile
Tier 1 Capital Ratio
Current: 12.29% · Tier avg: 13.55%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 68.85% · Tier avg: 56.60%
11
11th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.68%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.68%
18
18th pctile
Efficiency Ratio
Current: 68.85% · Tier avg: 56.60%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
38
38th pctile
Tier 1 Capital Ratio
Current: 12.29% · Tier avg: 13.55%
53
53th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.40%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.36% · Tier avg: 20.64%
68
68th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.12% · Tier avg: 85.47%
83
83th pctile
Total Deposits
Current: $13.1B · Tier avg: $8.5B
84
84th pctile
Total Assets
Current: $16.3B · Tier avg: $10.5B
87
87th pctile
Total Loans
Current: $12.5B · Tier avg: $7.1B